| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $68K | $68K | 2.75% |
| C2 CENTRIC LLC3 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $23K | $23K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | ANTHEM BLUE CROSS + BLUE SHIELD | $72K | — | $72K | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | HARTFORD | $136K | $94K | $230K | 11.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | SUPERIOR DENTAL CARE, INC | $29K | $22K | $51K | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $9K | — | $9K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | HARTFORD | $3K | $668 | $3K | 6.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $1.9M |
| BENEFIT LIFE EIN 75-1277524 16210 | Claims processing Service code 12 | — | $0 |
| MCGOHAN BRABENDER, INC. EIN 31-1440175 BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 766 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS + BLUE SHIELD | 638 | $2.0M |
| Dental | SUPERIOR DENTAL CARE, INC | 2,853 | $1.9M |
| Vision | EYEMED | 5,884 | $177K |
| Life insurance | HARTFORD | 2,882 | $2.0M |
| Prescription drug | CVS HEALTH | 2,647 | $11.8M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,941 | $2.5M |
| Other(2 contracts) | HARTFORD | 2,882 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,941 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.